What is the name of World's largest Health Care Scheme launched by Government of India in 2018 ?
- (a)Deendayal Chalit Hospital Yojna
- (b)Aam Admi Bima Yojna
- (c)Arunima Yojna
- (d)Ayushman Bharat - Pradhan Mantri Jan Arogya Yojna
Correct — D, Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (AB-PMJAY). Launched on 23 September 2018 (from Ranchi), it is described as the world's largest government-funded health assurance scheme. It provides cashless cover of Rs 5 lakh per family per year for secondary and tertiary hospitalisation to roughly 10.74 crore poor and vulnerable families — about 50 crore beneficiaries — with no cap on family size or age.
- (a)Deendayal Chalit Hospital Yojna — Not the 2018 world's-largest health scheme; a mobile-hospital-styled name used here as a distractor.
- (b)Aam Admi Bima Yojna — Aam Aadmi Bima Yojana is an older (2007) social-security life-and-disability insurance scheme for rural landless households — not a 2018 health-cover scheme.
- (c)Arunima Yojna — Not the health-assurance scheme launched in 2018; used here only as a distractor.
Ayushman Bharat (2018) has two pillars: (1) Health & Wellness Centres — now Ayushman Arogya Mandirs — for comprehensive primary care, and (2) PM-JAY, the assurance arm giving Rs 5 lakh per family per year of secondary and tertiary hospital cover. PM-JAY is fully government-funded, cashless, paperless and portable across empanelled hospitals nationwide; beneficiaries are identified using SECC 2011 deprivation criteria.
The phrases 'world's largest health scheme', 'launched in 2018', and 'Rs 5 lakh cover' all point to one answer: Ayushman Bharat PM-JAY. It subsumed the earlier RSBY health insurance.
- Launched 23 September 2018 (from Ranchi, Jharkhand)
- Cover: Rs 5 lakh per family per year for secondary and tertiary hospitalisation, cashless
- Coverage base: about 10.74 crore families / roughly 50 crore beneficiaries (SECC 2011)
- Implemented by the National Health Authority (NHA)
The question names the insurance arm, PM-JAY, launched in 2018.
- Confusing PM-JAY (insurance/assurance) with the Ayushman Bharat Digital Mission (health records)
- Confusing it with the older RSBY, which PM-JAY replaced
Cues like 'world's largest health scheme', 'launched 2018', or 'Rs 5 lakh cover' all lock to Ayushman Bharat PM-JAY.
With reference to Ayushman Bharat Digital Mission, consider the following statements: 1. Private and public hospitals must adopt it. 2. As it aims to achieve universal health coverage, every citizen of India should be part of it ultimately. 3. It has seamless portability across the country. Which of the statements given above is/are correct?
- (a) 1 and 2 only
- (b) 3 only
- (c) 1 and 3 only
- (d) 1, 2 and 3
Answer(b) 3 only
UPSC tested another pillar of the same Ayushman Bharat flagship — the Digital Mission (ABDM/ABHA), whose nationwide portability of health records is voluntary to adopt.
- practice — not a real PYQ
Under Ayushman Bharat PM-JAY, the health cover per eligible family per year is
- (a)Rs 1 lakh
- (b)Rs 2 lakh
- (c)Rs 5 lakh
- (d)Rs 10 lakh
Answer(c) Rs 5 lakh per family per year for secondary and tertiary care.
- practice — not a real PYQ
Ayushman Bharat PM-JAY is implemented by which body?
- (a)NITI Aayog
- (b)National Health Authority
- (c)IRDAI
- (d)ESIC
Answer(b) the National Health Authority (NHA).